Honea Path, SC · Charter 22184
Q2 1999
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q4 1995 | Q2 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 5.49% | 5.58% | 6.01% | 5.12% | 5.47% | 4.90% | 5.04% | 2.75% | -236 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | ||||||||||
| Asset Growth (YoY) | n/a | 10.49% | 18.13% | 11.81% | 5.89% | 9.58% | 9.48% | 3.77% | -805 bps | |
| Loan Growth (YoY) | n/a | 24.09% | 24.31% | 1.70% | 6.15% | 13.37% | 34.55% | 27.47% | +2,578 bps | |
| Share Growth (YoY) | n/a | 7.19% | 15.01% | 8.03% | 0.92% | 6.31% | 2.16% | 1.35% | -668 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.88% | 1.31% | 0.00% | 0.16% | 1.53% | 2.13% | 2.72% | 1.56% | +140 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.07% | 2.50% | 1.58% | 1.56% | 1.94% | 1.19% | 1.12% | 1.25% | -31 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 119.76% | 95.01% | 106.33% | 92.14% | 125.96% | 101.32% | 140.04% | 115.89% | +2,375 bps | |
| Liquid Assets / Assets | 6.36% | 18.85% | 13.21% | 17.23% | 5.79% | 14.94% | 0.54% | 5.30% | -1,193 bps | |